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What is best financing rate now?

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I highly recommend clearpath fcu in Glendale. Approved same day, 1.99% 60 months. Put down $5k (plus another $2500 deposit). Had to donate $5 for their charity, happy to do so.

Do they ask you to do auto pay or create a checking account with them? I’ve been getting quotes from a few places and the lowest one require a checking account and auto pay for 3.24%...